1. Building Your
Business in 2010
Derrick Sparkman
Home Mortgage Consultant
Wells Fargo Home Mortgage

2. Working together to succeed in 2010
Because 2010 will be another tough year, work with a market leader – a market
leader whose goal is to be your #1 partner as you build your business.
Wells Fargo Home Mortgage is there for you in all the ways that count:
-- Introducing buyers and sellers to you
-- Approving buyers
-- Closing deals
Other advantages:
-- Loan specialists for all kinds of homebuyer needs
-- Reliable preapprovals
-- Dependable sales support
-- Service guarantees
-- Access to buyers and sellers across the country.
It’s what makes us the nation’s #1 residential mortgage lender1.
Here’s what we’re doing to make 2010 a successful year for you. . .
1. Based on 2008 year-end statistics by Inside Mortgage Finance, 1/30/09
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3. Our commitment to
fair and responsible lending
First and foremost, Wells Fargo Home Mortgage remains committed to the fair
and responsible lending practices that have become our hallmark.
Borrowers need smart choices to finance their homes
We continue to favor fundamental principles over financing fads.
We work with your buyers to:
-- understand their financing needs
-- explore their options
-- clearly explain how different loan programs work.
It’s all so they can make the informed decisions that will keep them
comfortably in their homes for years to come.
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4. Our home purchase planning tools
Convenient access to online tools for buying and selling property:
-- budgeting tools
-- email alerts keyed to movements in interest rates
-- checklists
-- homeownership guides
-- calculators
-- much more.
And I’m here to help your clients.
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5. Our wide range of mortgage solutions
You only need to call one lender -- Wells Fargo Home Mortgage.
Our Single Source® capabilities mean unrivaled access to mortgage expertise
for all kinds of homebuyer needs. Specialists are available for:
-- new construction
-- renovation
-- investment property
-- relocation
-- reverse
-- high-end purchases
We’re the nation’s largest FHA and VA lender1.
We offer the Community Development Mortgage Program, which allows
qualified customers with low- to moderate-income become homeowners.
We deliver the right mortgage for your buyers’ specific needs.
1. Based on 2008 year-end statistics by Inside Mortgage Finance 2/20/09.
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6. Our reliable preapprovals
A PriorityBuyer® preapproval: The shortest distance between the opening bid
and the closing table.
We’ll confirm your clients’ price range in writing – saving you time, effort and
expense.
We give your client a stronger negotiating position:
-- application completed!
-- credit check completed!
-- initial decisioning phase completed!
A PriorityBuyer® preapproval at the closing table. It’s just what you
want in a property transaction.
A PriorityBuyer® preapproval is based on our preliminary review of credit information only and is not a
commitment to lend. We will be able to offer a loan commitment upon verification of application
information, satisfying all underwriting requirements and conditions, and providing an acceptable
property, appraisal, and title report. Not available on nonconforming products.
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7. Our on-time closing commitment
An on-time and smooth closing experience is important to your clients.
And to you.
The Wells Fargo Closing GuaranteeSM: We will close your client’s purchase
loan on or before the initial closing date as indicated in the original purchase
contract, or we’ll refund the first month’s principal and interest!1
There are important eligibility requirements. Just ask me for the full terms and
conditions on this offer.
If we should miss the closing, the refund provides the perfect way to turn
around the situation with your clients.
Available on all purchase loans, including new construction!
1. Terms and conditions apply.
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8. Service after closing
We service the majority of loans we originate.
Our Responsible Servicing Principles means the same care we put into
working with your borrower continues into our servicing.
We’re proactive in helping our customers stay in their homes in times of
financial difficulty.
Wells Fargo Online® offers our borrowers free, secure
access to their mortgage accounts anytime, anywhere.
Our Preferred Payment PlanSM options offer FREE,
automatic payment options.
Wells Fargo offers significant post-close values
to your clients.
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9. Our outreach to you
We’re committed to becoming your #1 partner
to help you build your business.
That’s why we’re working with Brian Buffini and
other industry experts in several venues to help you
navigate through the real estate market this year.
Here’s Brian Buffini in an exclusive
video recorded in late January 2010
for Wells Fargo.
In this one-hour DVD, Brian
outlines “The Five Reasons Sales
People Fail.”
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10. We’re committed to your success in 2010
We help our customers:
• Plan effectively
• Purchase confidently
• Own Successfully
Let’s work together to build your business in 2010!
This information is for real estate professionals only and is not intended for distribution to consumers.
Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A.
©2010 Wells Fargo Bank, N.A. All rights reserved #104307 2/10
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